Novarise Capital LLC

Last Updated: July 6, 2026

Welcome to Novarise Capital. These Terms of Service ("Terms") govern your access to and use of the websites, landing pages, forms, content, and communications provided by Novarise Capital LLC ("Novarise Capital," "we," "us," or "our"), including novarisecapital.io and related pages (collectively, the "Services").

By accessing or using our Services, submitting your information through our forms, or participating in our programs or community, you agree to these Terms. If you do not agree, please do not use our Services.

1. NATURE OF OUR SERVICES — EDUCATIONAL PURPOSE

Novarise Capital provides financial education, informational content, and community-based learning for the Hispanic community in the United States, including topics related to credit, personal finance, and consumer rights. We also facilitate certain consumer processes, such as consumer arbitration, by providing education and guidance.

IMPORTANT: Our content and Services are provided for educational and informational purposes only. We are not a law firm, and we do not provide legal advice. We are not a financial advisory firm, and we do not provide individualized financial, investment, or tax advice. Nothing in our Services should be interpreted as legal, financial, or professional advice for your specific situation. You should consult a qualified professional (such as an attorney or licensed financial advisor) before making decisions based on our content.

2. NO GUARANTEE OF RESULTS

Every person's financial and credit situation is unique. While we teach systems, strategies, and educational frameworks, we do not guarantee any specific outcome, including but not limited to: improvements in credit scores, removal of items from credit reports, approval for credit or financing, or any particular financial result. Results depend on many factors outside of our control, including your individual circumstances and actions.

3. ELIGIBILITY

You must be at least 18 years of age to use our Services. By using our Services, you represent that you are 18 or older and have the legal capacity to enter into these Terms.

4. MEMBERSHIPS, PROGRAMS, AND PAYMENTS

Some of our offerings, such as our paid community (Club 720), may require payment of membership fees. Pricing, billing terms, and cancellation policies for paid offerings are presented at the time of purchase on the applicable platform (for example, Skool). By purchasing a membership or program, you agree to the pricing and billing terms disclosed at checkout.

Third-party platforms used to deliver our programs (such as Skool, WhatsApp, or Instagram) have their own terms of service, which you are responsible for reviewing and following.

5. COMMUNICATIONS CONSENT

By submitting your contact information through our forms and providing the applicable consents, you agree to receive communications from us by email and, where you have expressly consented, by text message (SMS). Message frequency varies; typically a few messages per month. Message and data rates may apply.

Consent to receive text messages is not a condition of any purchase.

You may opt out of text messages at any time by replying STOP to any message you receive, or by contacting us directly. You may also reply HELP for assistance. Mobile carriers are not liable for delayed or undelivered messages.

You may unsubscribe from marketing emails at any time using the unsubscribe link. See our Privacy Policy for more information.

6. INTELLECTUAL PROPERTY

All content provided through our Services — including text, guides, documents, videos, graphics, logos, course materials, templates, and branding — is the property of Novarise Capital LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may use our content for your personal, non-commercial use only. You may not copy, reproduce, distribute, sell, publish, or create derivative works from our content without our prior written permission.

7. ACCEPTABLE USE

You agree not to:

- Use our Services for any unlawful purpose;

- Misrepresent your identity or provide false information through our forms;

- Attempt to interfere with, disrupt, or gain unauthorized access to our Services or systems;

- Use our content or community to harass, harm, or defraud others;

- Resell or commercially exploit our content or materials without authorization.

We reserve the right to suspend or terminate access to our Services and communities for violations of these Terms.

8. THIRD-PARTY SERVICES AND LINKS

Our Services may reference or link to third-party websites, platforms, and tools. We do not control and are not responsible for the content, policies, or practices of any third party. Your use of third-party services is at your own risk and subject to their terms.

9. DISCLAIMER OF WARRANTIES

Our Services are provided "as is" and "as available," without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our Services will be uninterrupted, error-free, or completely secure.

10. LIMITATION OF LIABILITY

To the maximum extent permitted by law, Novarise Capital LLC and its owners, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or opportunities, arising out of or related to your use of our Services, even if we have been advised of the possibility of such damages. In no event shall our total liability exceed the amount you paid to us, if any, in the twelve (12) months preceding the event giving rise to the claim.

11. INDEMNIFICATION

You agree to indemnify and hold harmless Novarise Capital LLC and its owners, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising out of your violation of these Terms or your misuse of our Services.

12. GOVERNING LAW

These Terms are governed by the laws of the State of Texas, without regard to its conflict of law principles. Any disputes arising from these Terms or our Services shall be resolved in the state or federal courts located in Bexar County, Texas, unless otherwise required by applicable law.

13. CHANGES TO THESE TERMS

We may update these Terms from time to time. The updated version will be posted on this page with a revised "Last Updated" date. Your continued use of our Services after changes are posted constitutes acceptance of the updated Terms.

14. CONTACT US

If you have questions about these Terms, contact us at:

Novarise Capital LLC

San Antonio, Texas

Email: [email protected]